浦发银行收编重庆两家村镇行 不良贷款率1.29%六连降

Core Viewpoint - Shanghai Pudong Development Bank (SPDB) is accelerating its "village to branch" reform, having received regulatory approval to dissolve two rural banks in Chongqing and convert them into branches, thereby enhancing its management structure and customer service [1][3]. Group 1: "Village to Branch" Reform - On December 19, the Chongqing Financial Regulatory Bureau approved the dissolution of Chongqing Banan and Chongqing Tongliang rural banks, with all assets and liabilities transferred to SPDB [1][3]. - In 2025, SPDB has completed the "village to branch" reform for 12 independent rural banks, all of which have received regulatory approval for absorption and conversion into branches [3][4]. - The reform process began in July 2025, with the first approval for the acquisition of Gansu Yuzhong Rural Bank, followed by several others in different provinces [4][5]. Group 2: Financial Performance - For the first three quarters of 2025, SPDB reported a revenue of 132.28 billion yuan, a year-on-year increase of 1.88%, and a net profit of 38.82 billion yuan, up 10.21% [6][7]. - The bank's total assets reached 9.89 trillion yuan, nearing the 10 trillion yuan mark, with a year-on-year increase of 4.55% [7][8]. - The non-performing loan (NPL) ratio has improved for six consecutive years, dropping to 1.29% in Q3 2025, with a total NPL balance of 72.89 billion yuan [6][8]. Group 3: Risk Management and Funding - SPDB's risk coverage capability has improved, with a provision coverage ratio of 198.04%, an increase of 11.08 percentage points from the previous year [9]. - The bank issued a financial bond of 20 billion yuan in December 2025 to optimize its funding structure, with proceeds aimed at supporting credit in various consumer service sectors [9].